Overview — Habitational Property Insurance Risks from Allstar Financial Group
Allstar places habitational property programs that combine property, general liability, automobile liability and workers' compensation — either as admitted packages (where available) or as custom E&S placements. We also offer stand-alone General Liability, Property, and Professional Liability policies. Our underwriting team focuses on timely, creative market options for accounts that need capacity outside the standard admitted marketplace.
Ideal Accounts and Target Classes
TARGET CLASSES:
Apartments, Condominiums (including owner-occupied with rental), Hotels & Motels, Dwelling Fire
We will also consider habitational risks with:
- Low occupancy
- Multiple occupants
- Vacant property (multiple years vacant acceptable)
- Extended-stay and similar exposures
Coverage Highlights and Advantages
- Broad placement options: admitted packages where available and robust E&S appetite for higher-risk or non-standard habitational properties.
- Stand-alone and package flexibility: separate General Liability quotes are available when needed.
- Coastal capacity available for eligible accounts.
Underwriting Notes and Minimum Premiums
Forms: ACORD and program supplementals are required on submission. Underwriting is driven by property condition, occupancy, protection measures, and loss history. Minimum premium levels vary by carrier and state—please contact an Allstar underwriter for specific minimums and program eligibility.
Territories and Availability
Available through Allstar Financial Group in: AL, GA, NC, SC, TN, and VA. Many placements are written non-admitted / E&S depending on carrier appetite and state regulations; admitted options may be available in select circumstances.
Why Work With Allstar Financial Group on Habitational Risks
Allstar combines wholesale distribution experience with direct carrier relationships to place habitational accounts that are difficult to place in standard markets. Our underwriters provide quick turnaround on submissions, flexible structuring, and access to multiple carriers so you can compare options and secure capacity for your clients.
Example accounts that fit this program
- A mid-size apartment complex with a recent roofing update but a marginal loss history where standard admitted markets declined — E&S placement with tailored liability limits and property coverage.
- A small extended-stay hotel with mixed occupancy and historical vacancy for some units — separate GL and property options can be quoted to match exposure.
Contact one of our experienced underwriters at Allstar Financial Group about your habitational property insurance needs today.
Forms: ACORD/Supplementals
Separate quotes for General Liability coverage available
Coastal Capacity Available
Frequently Asked Questions
What types of habitational accounts does Allstar want?
Allstar targets apartments, condominiums (including rental exposures), hotels & motels, and dwelling fire risks. We also consider accounts with low occupancy, multiple occupants, extended-stay exposures, and properties that have been vacant for multiple years.
Are vacant properties eligible?
Yes. Vacant properties can be considered and, in many cases, multiple years vacant is acceptable. Eligibility and terms depend on property condition, loss history, and the carrier’s appetite.
What submission materials do you require?
Provide ACORD applications and any program supplementals, current loss runs, occupancy details, protection class, and photos or inspection reports where available. Additional carrier-specific items may be requested during underwriting.
Which states and placement types are supported?
Allstar places habitational business in AL, GA, NC, SC, TN, and VA. Many placements are handled on a non-admitted / E&S basis, with admitted options possible depending on carrier and state.
Need help placing an account? Connect with a market specialist.